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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,774 | $72,273+32.5% | $101,275-5.4% | $79,856+19.9% |
| Participation rate | 53.3% | 68.5%-15.1pp | 75.8%-22.5pp | 69.6%-16.3pp |
| Annual return | 12.98% | 22.30%-9.3pp | 46.48%-33.5pp | 31.71%-18.7pp |
| Employer contribution / active EE | $768 | $2,691-71.4% | $3,660-79.0% | $2,471-68.9% |
| Participant deferral / active EE | $4,542 | $3,282+38.4% | $4,371+3.9% | $3,741+21.4% |
| Admin fee / account holder | $1,038 | $4,401-76.4% | $5,948-82.5% | $5,306-80.4% |